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Is morrowbank.fi a Scam? Security Check Results - Morrow Bank ASA

morrowbank.fi Security Report Summary

morrowbank.fi received a security score of 68 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Morrow Bank ASA's website security posture. Morrow Bank ASA operates in the Finance industry in Finland.

Morrow Bank ASA is a Nordic financial services provider specializing in consumer loans, credit cards, and insurance products. The company recently rebranded from Komplett Bank, emphasizing a forward-looking brand identity focused on the future. Their website targets consumers primarily in Finland and the Nordic region, offering flexible credit solutions and digital payment options such as Apple Pay and Google Pay. The business model centers on retail banking services with a medium-sized market presence and a clear digital-first approach. Technically, the website is built on modern frameworks including Next.js and React, with content managed via Sanity CMS and hosted likely on Azure infrastructure. The site demonstrates excellent mobile optimization, fast performance, and good SEO practices. Integration with Google Tag Manager and Usercentrics CMP indicates a mature approach to analytics and privacy compliance. From a security perspective, the site enforces HTTPS, implements strong security headers, and uses cookie consent mechanisms aligned with GDPR. No critical vulnerabilities or exposed sensitive data were detected. However, explicit security policies and incident response contacts are not published, and a vulnerability disclosure program is absent. Overall, the website and domain registration data indicate a legitimate, trustworthy financial institution with a strong digital presence. The domain age aligns with the company's recent rebranding, and registrant information is consistent with the business identity. The site is safe for general audiences and complies with relevant privacy regulations.

The security scan identified 22 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Next.js, React, Sanity CMS, Azure DNS, Google Tag Manager, Usercentrics CMP.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is morrowbank.fi Safe? Security Analysis for Morrow Bank ASA

https://morrowbank.fi

Check if morrowbank.fi is a scam or legitimate. Free security scan and reviews.

FinanceFinlandmedium
Next.jsReactSanity CMSAzure DNSGoogle Tag Manager+1 more
Analyzed 7/24/2025Completed 4:46:32 AM8mo ago
68
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainmorrowbank.fi
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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Morrow Bank ASA is a Nordic financial services provider specializing in consumer loans, credit cards, and insurance products. The company recently rebranded from Komplett Bank, emphasizing a forward-looking brand identity focused on the future. Their website targets consumers primarily in Finland and the Nordic region, offering flexible credit solutions and digital payment options such as Apple Pay and Google Pay. The business model centers on retail banking services with a medium-sized market presence and a clear digital-first approach. Technically, the website is built on modern frameworks including Next.js and React, with content managed via Sanity CMS and hosted likely on Azure infrastructure. The site demonstrates excellent mobile optimization, fast performance, and good SEO practices. Integration with Google Tag Manager and Usercentrics CMP indicates a mature approach to analytics and privacy compliance. From a security perspective, the site enforces HTTPS, implements strong security headers, and uses cookie consent mechanisms aligned with GDPR. No critical vulnerabilities or exposed sensitive data were detected. However, explicit security policies and incident response contacts are not published, and a vulnerability disclosure program is absent. Overall, the website and domain registration data indicate a legitimate, trustworthy financial institution with a strong digital presence. The domain age aligns with the company's recent rebranding, and registrant information is consistent with the business identity. The site is safe for general audiences and complies with relevant privacy regulations.

Detected Technologies

Next.jsReactSanity CMSAzure DNSGoogle Tag ManagerUsercentrics CMP

11 urgent findings need attention

1 critical · 10 high

  • + 3 more findings in the full report below
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Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

2 findings

80/100

GDPR Compliance

4 findings

25/100

NIS2 Compliance

8 findings

17/100

Email Security

1 finding

85/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Morrow Bank ASA operates in the competitive Nordic financial sector, leveraging a rebranding strategy to refresh its market image. Its key competitive advantages include a comprehensive product portfolio (loans, credit cards, insurance), digital wallet integration, and a loyalty bonus program. The company targets retail consumers seeking flexible credit and payment solutions. Partnerships with investor relations and career portals suggest organizational maturity. The business model relies on interest income, fees, and insurance premiums. Growth indicators include recent domain registration and active content updates. The company maintains a professional online presence with clear branding and trust signals.

Extracted Contact Information

Marketing Intelligence Data

Company Registration

Legal Name:

Morrow Bank ASA

Registration Number:

998997801

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and GDPR-compliant privacy and cookie policies. The use of Usercentrics CMP and Google Tag Manager is well managed. No exposed credentials or vulnerable libraries were found. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure program represents a compliance gap and an area for improvement. The site’s secure login portal and absence of suspicious domains further support a strong security culture. Overall, the security maturity is good but could be enhanced by formalizing incident response and disclosure processes.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy page outlining security practices and compliance.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Morrow Bank ASA

Description:

Nyt alkaa uusi aikakausi. Meillä on uusi nimi ja yritysilme, jotka keskittyvät tulevaisuuteen ja uuteen huomiseen – Morrow Bank.

Key Services:
Joustoluotto (Flexible loans)Luottokortti (Credit cards)Vakuutus (Insurance)
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
Next.jsReactSanity CMSAzure DNSGoogle Tag ManagerUsercentrics CMP
Frameworks:
Next.jsReact
Platforms:
Web
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Use of CSP
  • No exposed sensitive data in HTML
  • Secure login portal
  • Cookie consent mechanism

Analytics & Tracking

Services:
Google Analytics (via GTM)
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Usercentrics CMP
Marketing Tools:
Usercentrics
Transparency Level:good

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is professionally designed and fully accessible

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

80/100
Score

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

25/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: LinkedIn

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:spf.mailjet.com -all
DNS Lookups:1/10
Policy:-all
DMARC Details
Policy:reject
Aggregate Reports:c037702280@rua.easydmarc.eu
Forensic Reports:c037702280@ruf.easydmarc.eu
MTA-STS Details

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

77/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 44 days

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.2TLSv1.3TLSv1.1

OCSP Status

OCSP Stapling Enabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

75/100
Score

Unregistered MX Record

HIGH

MX record points to unregistered domain:

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

DNS Records

A Records:13.69.68.45
Name Servers:
ns1-09.azure-dns.comDNS only
ns2-09.azure-dns.netDNS only
ns3-09.azure-dns.orgDNS only
ns4-09.azure-dns.infoDNS only
MX Records:
0:
SOA:Serial: 1674206586, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:118ms

SPF Analysis

SPF Record:
v=spf1 include:spf.mailjet.com -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does morrowbank.fi compare?

See how morrowbank.fi stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a modern, scalable tech stack featuring Next.js and React, supported by Sanity CMS for content management. Hosting appears to be on Azure, indicated by DNS nameservers. The site is optimized for mobile devices with responsive design and fast loading times. SEO is well implemented with comprehensive meta tags, Open Graph, and JSON-LD structured data. Accessibility is good, though further audits could enhance compliance. The integration of Google Tag Manager and Usercentrics CMP reflects a mature approach to analytics and privacy management. No technical debt or legacy technology was detected, positioning the site well for future enhancements.
Professional PDF & Marketing Data

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PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainmorrowbank.fi
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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